Clarity Act passed the House, what this means for retail crypto

huge news dropped today! The U.S. House of Representatives voted 294-134 to pass the Digital Asset Market Clarity Act on July 17, 2025. This is a major move for crypto in the U.S., and I wanted to break it down for you all.

What the bill actually does: Splits oversight between SEC and CFTC based on how decentralized a token is Bitcoin and similar established cryptos go to CFTC (commodity regulation) Newer or more centralized tokens stay with SEC (securities regulation) Creates clear rules instead of the current regulatory mess

What’s Next? The bill heads to the Senate now, where it’s got a tougher road. Some Dems, like Maxine Waters, are skeptical, saying it lacks consumer protections and might favor big players (like Trump’s crypto ventures). Senate Banking Chair Tim Scott wants it done by September, but there could be tweaks. If it passes, it’s a straight shot to Trump’s desk—he’s been vocal about making the U.S. a “crypto capital.”

The timing is interesting because this comes during Bitcoin's run to $120K+, but with relatively low retail excitement. Maybe clear regulations are exactly what's needed to bring back mainstream retail interest that's been missing from this cycle.

Historically, regulatory clarity has been positive for crypto prices long-term, even if there's short-term uncertainty about classifications. The question is whether this will reignite retail FOMO or just create a more stable institutional market.

What do you think?